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Travel insurance

Travel protection for your trip

Make sure you pack some travel insurance in your luggage when travelling in the UK or abroad. Yorkshire Bank can introduce you to American International Group UK Limited which provides travel insurance to cover a range of eventualities away from home.

Emergency medical expenses of up to £10,000,000 abroad and £10,000 in the UK.

Loss of travel and accommodation expenses following cancellation of your trip up to £5,000

Cover for the loss, theft or damage to your valuables and baggage up to £1,500. Limit for any single article or pair or set of items - £300. Valuables and electronic/other equipment limit - £500. Thefts from unattended vehicles - £100 per person.

Cover for the loss or theft of your travel documents and passports up to £200.

Cover for the loss or theft of your cash and travellers cheques up to £500. Cash limit - £200. Cash limit if aged under 18 - £50.

* Travel insurance is available for UK based applicants who are under 75 years of age. As with any insurance there are certain exclusions, including claims due to undisclosed medical conditions which were known about at the time of taking out your policy or booking your trip whichever is later. Cover is not provided for travel to or through Cuba, Iran, Syria, Sudan, North Korea, the Crimea Region or areas where the Foreign and Commonwealth Office have advised against all but essential travel. Please ensure you read the key facts, policy summary and policy document attached below.

Travel insurance is provided and underwritten by American International Group UK Limited (FCA No 781109) which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (Formerly the Financial Services Authority) and the Prudential Regulation Authority.

Yorkshire Bank will not charge you a fee for arranging Travel Insurance but will receive commission from AIG for any sale made and subsequent policies renewed.

Following the recent events in Sri Lanka, the Foreign and Commonwealth Office (CFO) has advised against all but essential travel to Sri Lanka.

As a reminder, travel insurance provided by AIG does not provide cover for travel in, to or through countries where the Foreign office has warned against all but essential travel. If you have any questions or concerns regarding any upcoming travel to Sri Lanka, please check the Foreign and Commonwealth Office website for advice in the first instance.

If you were already in Sri Lanka when the FCO advice came out, then the policy offers full cover while you see out your holiday;

If your trip was booked before the FCO advice but haven’t travelled yet, this policy offers cancellation cover only;

If you decide to book a trip and travel to Sri Lanka after the FCO advice was issued, there is no cover provided by this policy.

If you wish to discuss with your Travel Insurance, please contact AIG on the following numbers;
For 24 hour AIG Emergency Assistance – 01273 401090
For general enquiries – 0345 605 0057

Brexit Update - Travel Insurance

If you’re planning a trip to a European country in the next few months, you might be wondering if everything will go according to plan in the event that the UK leaves the EU.

The UK government and the European Commission have said that everything should continue to run as normal, including your flights. But if you do need to make a Brexit-related claim, we’re here to help.

How will Brexit affect your Clydesdale Bank travel insurance?

What happens if your baggage is delayed?

Your cover will work in the usual way, please double check the terms and conditions in your policy.

What happens if you have to pay for medical treatment while you’re away?

Your cover will work in the usual way. Your policy doesn’t require you to have a European Health Insurance Card (EHIC) so even if EHICs aren’t valid after Brexit, your policy and coverage will stay the same.

What happens if your trip is cancelled, cut short or you miss your departure?

Your travel insurance works on a ‘named perils’ basis. That means the insurance protects you against the problems or events specifically named in your policy.

Brexit isn’t one of these, so you won’t be covered if a Brexit-related event means you have to cancel or cut short your trip, or if you are delayed or miss your departure because of it. This includes if you are not able to get the passport or visa you need for your trip, so be sure to check yours is valid as soon as possible. You can head to www.gov.uk for lots of helpful information on this.

What happens if you experience any other problems?

If you (or any other person covered by this policy) are unable to complete your trip because of reasons out with your control and these reasons fall within the conditions of the policy, your cover will continue as normal.

Changed your mind?

You can cancel your policy within 14 days of buying it or receiving your policy documents (whichever is latest). We’ll provide a full refund as long as you haven’t travelled or made a claim in that time.

If more than 14 days has passed since you bought your policy, we’ll still provide a refund but we’ll make a deduction based on how long you’ve been on risk for cancellation cover, plus a £15 admin fee. Again, we can only do this if you have not travelled or made a claim yet.

Here to help

Every claim is handled on a case-by-case basis, according to your policy’s terms and conditions.

If you have any questions about travel insurance and Brexit, please contact AIG Travel on 0345 605 0057 or yorkshirebanktravel@aig.com.